communities and banking

Low- and moderate-income issues in New England

Complete Issue pdf

Winter 2016

Military Lending Act
The Military Lending Act: Do Fringe-Borrowing Policies Help?

by Roman Galperin, John Hopkins University

Social LendingSocial Lending: Improving Credit for the Underbanked
by Belinda Reyes and Elías López
Criminalization of the Mentally IllCriminalization of the Mentally Ill
by Madelon V. Baranoski, PhD, Yale School of Medicine
Wabanaki DiplomacyWabanaki Diplomacy
by Darren J. Ranco
University of Maine

The Military Lending Act: Do Fringe-Borrowing Policies Help?
by Roman Galperin, Johns Hopkins University
A study of the effects of the Military Lending Act suggests that bans on fringe lending should be accompanied by increased access to mainstream credit products.

Social Lending: Improving Credit for the Underbanked
by Belinda Reyes and Elías López
How a culturally relevant social-lending program benefits people with low or nonexistent credit scores.

From Poverty to Opportunity: The Challenge of Building a Great Society
by Nancy Wagman,
Massachusetts Budget and Policy Center
Increasing inequality since the 1970s and a weakened safety net have stalled progress on the Great Society's vision of eliminating poverty.

Cash-Based Welfare Programs Making a Difference for Poor Children
by Anna Aizer, Brown University
New research finds significant long-term benefits to poor children receiving cash-based welfare in early life.

Criminalization of the Mentally Ill
by Madelon V. Baranoski, PhD,
Yale School of Medicine

New approaches are helping to keep people
with mental illness out of prison and in treatment.

Mapping New England: Drug-Related Crime
by Amy Higgins and Erin Graves,
Federal Reserve Bank of Boston

The map shows changes in drug-related crime from 2005 to 2012.

The Role of Violence in a Decision to Move
by Erin Graves, Federal Reserve Bank of Boston
Neighborhood violence is a major factor in a family's decision to relocate using a housing voucher.

Separate and Unequal: Residential Segregation
by John R. Logan, Brown University
Segregation persists in urban and suburban neighborhoods, and it's not just a matter of what people can afford.

Wabanaki Diplomacy
by Darren J. Ranco, University of Maine
Much can be learned from the way Wabanaki tribes deal with complex community challenges.

Early Care and Education in Vermont
by Julia Coffey, Building Bright Futures
Many Vermont families face challenges in trying to access affordable, high-quality child care.

Facilities: An Important Dimension of Child-Care Quality
by Mav Pardee, Children's Investment Fund
Comprehensive quality-improvement efforts in early childhood education require well-designed, well-equipped facilities.